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United Federal Credit Union
You could save over $700
with a UFCU Visa® credit card!

Visa Credit Card Offer: Visa Platinum and Gold


Take full advantage of your UFCU membership with a credit card that works for you! By switching to a UFCU Visa credit card you could save an average of over $7001 in interest.

Not only could you save money on interest, you’re also eligible to receive $75 cash back2 after you spend $1,500 in new purchases during the first three months after activating your new UFCU Visa credit card. That means more money in your wallet to enjoy doing more of the things you love.

This is a limited time offer, so apply today!5

Promo Code: Visa Cash Back
Use this promo code when you speak to a UFCU representative to take advantage of this special offer.



Credit Limit $5,000 – $20,000 $10,000+
Interest Rate 12.99% APR 9.99% APR
Average Annual Savings1 $306 $765
No Balance Transfer Fee4 checkmark checkmark
No Annual Fee4 checkmark checkmark
CardPerks Rewards6 checkmark checkmark
Travel Insurance7 Up to $400,000 Up to $500,000
Auto Rental Insurance7 checkmark checkmark

Other Important Program Information:

Federally insured by NCUA. Equal Opportunity Lender.

1 Average interest savings, based on national average interest rate of 15% APR (creditcards.com) and average US household credit card debt of $15,270 (nerdwallet.com), compared to UFCU Platinum Visa Card interest rate of 9.99% APR is $765 over a 12-month period. Average interest savings compared to UFCU Gold Visa Card interest rate of 12.99% APR is $306 over a 12-month period.

2 $75 cash back offer is only available for new purchases of at least $1,500 that are made on the UFCU Visa credit card within the first three months after activation or by 12/31/14; whichever comes first. Balance transfer amounts cannot be applied toward the cash back bonus incentive. Please allow 6 – 8 weeks after qualifying for the cash back amount to be posted to your Visa credit card account. Offer expires 8/25/14.

3 APR= Annual Percentage Rate. The Annual Percentage Rate is based on the best advertised rate for a UFCU Platinum Visa Card interest rate of 9.99% APR. Visa Gold rate is 12.99% APR; rates may vary and are accurate as of 5/1/2014. Not all applicants will qualify for the lowest rate.

4 A list of additional fees can be found in the chart below.

5 Offer expires 8/25/14.

6Subject to program terms and conditions. See Program Rules for more information.

7Subject to program terms and conditions. See the applicable Benefit Guides for more information.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers

9.99% or 12.99%

This APR is based on your creditworthiness and will vary with the market based on the Prime Rate.

Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreFeesAnnual


Annual Fee None
Application Fees None
Transfer Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

  • None
  • None
  • 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion Penalty
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

  • Up to $25 if your payment is late 10 days or more
  • None
  • Up to $30 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”
The Annual Percentage Rate will be determined monthly by adding a margin to an Index value. For Visa Platinum the margin is 6.74 percentage points; for Visa Gold the margin is 9.74 percentage points.The Index value is the Prime Interest Rate published in the Wall Street Journal “money rates” table on the last business day of the month (or next business day if the last day falls on a weekend or holiday). A new rate will not apply to your account until the first day of your next billing cycle that begins after a change date. The Annual Percentage Rate will never be more than 18.00%.